# KYC/KYB Requirements Overview

### **CONTENT LIST:**

You will have to upload several documents for KYC/KYB checks performed on your clients either through the API or through the Admin Panel.

### **A) STANDARD LEGAL ENTITIES:**

1. **CORPORATE DOCUMENTS/ INFORMATION:**

   1.1. Signed Terms [(see white-label version here)](https://www.notion.so/White-Label-Documentation-1aad4c883eeb81889d3ce1204784e4e0?pvs=21) \[PANEL LABEL: ACCOUNT\_AGREEMENT] 1.2. Signed Commercials [(see white-label version here)](https://www.notion.so/White-Label-Documentation-1aad4c883eeb81889d3ce1204784e4e0?pvs=21) \[PANEL LABEL: L2\_ACCOUNT\_AGREEMENT] 1.3. Incorporation Document (Certificate of incorporation or equivalent) \[PANEL LABEL: INCORPORATION\_DOCUMENTS] 1.4. Corporate proof of address —> Only one proof of address required:

   **EITHER** Bank Statement \[PANEL LABEL: BANK\_STATEMENT]

   **OR** Utility Bill \[PANEL LABEL: UTILITY\_BILL]

   **OR** Lease Agreement \[PANEL LABEL: LEASE\_AGREEMENT]

   **OR** any other equivalent \[PANEL LABEL: either LEASE\_AGREEMENT]

   \*Please pay attention that the “LEASE\_AGREEMENT” label is obligatory.

   1.5. Articles of Incorporation **OR/AND** Memo **OR/AND** incorporation agreement (or equivalent) \[We have two obligatory fields a.k. labels under names “LLC\_AGREEMENT” and “ARTICLES\_OF\_INCORPORATION”]

   * Usually “ARTICLES\_OF\_INCORPORATION” is referred to Articles of Incorporation/ Association whereas “LLC\_AGREEMENT” is referred to Memo/Memorandum. HOWEVER, depending on the company jurisdiction the statutory documents may vary in its quantity and naming, therefore please upload these documents under the given names, or in case there’s only one statutory document please upload it twice with the given labels (“LLC\_AGREEMENT” and “ARTICLES\_OF\_INCORPORATION”)

   1.6. Bank statement (if not available —> filled in source of funds declaration) \[PANEL LABEL: BANK\_STATEMENT] [(see white-label version here)](https://www.notion.so/White-Label-Documentation-1aad4c883eeb81889d3ce1204784e4e0?pvs=21)

   1.7. Signed and filled in beneficial form \[PANEL LABEL: BENEFICIAL\_CERTIFICATE]

   **(warning, this is a government form, do not amend it or co-brand it. this has to be submitted for all clients irrespective of their affiliation with the US)**

   [Beneficial\_Form (3).pdf](https://prod-files-secure.s3.us-west-2.amazonaws.com/bd7245ee-00d8-4bee-adda-edd095e9736b/10ad42f4-f1fc-4005-b95a-db861f6ba2e0/Beneficial_Form_\(3\).pdf)

   1.8. Company Telephone Number (with a country code):

   1.9. Website Address (if available):

   1.10. NAICS code as per this list (<https://www.naics.com/search/>)

   1.11.Company Registered address (Street, house number, city, state, country, zipcode):

   1.12. Company Physical address (Street, house number, city, state, country, zipcode):

   1.13.Primary Source Of Funds Description (one sentence):

   1.14. Regulated Status - license (if any):

   1.15. Description Of Business Nature (2-4 sentences):

   1.16. Company Tax ID number **(the field on the application for this value is to be added soon, meanwhile please just leave the company corporate tax number in the comments field in the application)**
2. **INDIVIDUAL DOCUMENTS/ INFORMATION:**

   2.1. **ONLY ONE Live photo (not a scan!)** for the **control persons (directors)** and **UBOs (more than 20%)** of

   * **EITHER** passport \[PANEL LABEL: PASSPORT]
   * **OR** both sides of ID (not drivers license) \[PANEL LABEL: IDENTITY\_CARD\_BACK/ IDENTITY\_CARD\_FRONT]
   * **OR for US citizens only**: Drivers License \[PANEL LABEL: DRIVERS\_LICENCE\_FRONT/ DRIVERS\_LICENCE\_BACK]

     **Remark 1:**

     We do not need your selfie with any type of ID, just a photo. Please take a picture of the above-mentioned document so that 1) the edges and corners are visible as in the provided sample, 2) there is no glare, 3) the photo quality is high and 4) there are no other objects disrupting the view of the photo.

     **Remark 2:**

     All files should be in JPEG/ JPG format!

     **Remark 3:**

     If an individual (UBO or Director) comes from a restricted jurisdiction, they can be accepted only under the following circumstances:

     * They have a residence permit from a non-restricted jurisdiction
     * They have a proof of address confirmation document from this jurisdiction

<figure><img src="/files/rzHX2blPYQldJTlFElV7" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/DKJ7WQCc1Xjtiw9ATaEL" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/6jlAdfm7qYJOxbEwDVOE" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/lhfTefMBIYb2eOG1mUcT" alt=""><figcaption></figcaption></figure>

2.2. Address for the above persons (country, state/region, city, street, postcode)

2.3. Emails for the above persons

2.4. Telephone numbers for the above persons (with a country code)

2.5. Tax numbers for all UBOs and control persons (directors)

2.6. Percentage Ownership for the given UBOs

2.7. Selfie of all UBOs and control persons (SAMPLE ATTACHED)

\*Document must be a clear selfie photograph of the individual holding their government issued identity document next to their face. • Important - The identity document in the selfie must be the same identity document uploaded as part of the original application. • The image should provide an unobstructed view of the individual’s face and identity document in the same frame. • It should be of high quality and avoid shadows or poor lighting. • The information on the identity document should be clearly readable e.g. document number, name, issued date, expiration date. • The photo should be an image taken from a phone, and should not be scanned. • The file format should be .PNG, .JPEG, or .JPG.

<figure><img src="/files/T6APfRBl2U3lhgGaNzxN" alt=""><figcaption></figcaption></figure>

### **B) LICENSED LEGAL ENTITIES:**

We require the following from licensed entities that may be handling client money apart from the information mentioned above:

1. Can you explain the services that your entity provides to its customers in more detail? (3-4 sentences)
2. Can you please describe the flow of funds?
3. What are you going to use the account for? On- and Off-Ramp OR only for corporate payments? 3.1. If corporate payments, please explain the type of payments.
4. Please explain who is the owner of the funds that are sent via Delos? Is it your company itself or is it the funds of your company's clients?

4.1 Please sign a letter stating that you are not going to use the account for **unlicensed** money transmission or remittance. [(see white-label version here)](https://www.notion.so/White-Label-Documentation-1aad4c883eeb81889d3ce1204784e4e0?pvs=21)

5. Please provide bank statement(s)/ financial statement(s) (apart from the provided ones, if any). In case you don’t have the above, please explain the reason.

### **C) OTHER ADDITIONAL INFORMATION:**

Sometimes our compliance team requests additional information/ documents on a case-by-case basis. In these cases we revert with additional inquiries accordingly.


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